Member Guide - RACT

What life stage are you? Join today. It’s as easy as 1, 2, 3…Follow our easy to use guide to help you find the most suitable cover for your current life stage.1. Family membership covering:a) You (the fund member).b) Your partner – a person with whom you are living in a bona-fidedomestic relationship.c) Your child dependants under the age of 21 years (including step, adopted andpermanent foster children).d) Your student dependants who are under 25 years old who are:– single– full-time apprentices, full-time trainees or full-time students at a school, college,university or institution recognised by us and who primarily rely on you (the fundmember) for maintenance and support.STEP 1: Choose your coverDo you want hospital or extras cover, or both?STEP 2: Choose your level of coverSelect the level that best suits your needs.Choose your hospital coverPlatinum Gold Silver Bronze2. Young couples membership: covering you and your partner (as definedabove in 1b). With some exclusions for services you might not need.Choose your excess levelYou can reduce the cost of your hospital cover by having a calendar year excess.3. Mature couples membership: covering you and your partner(as defined above in 1b).Level 0($0 excess)Level 1($250 single and$500 families/couples/single parents)Level 2($500 single and$1000 families/couples/single parents)4. Single parents hospital: covering you, your children and dependants asdefined above in 1c) and 1d).Choose your extras coverPlatinum Gold Silver Bronze5. Single membership: covering one fund member only.Please note: These life stage illustrations are a reference guide only and should be read in conjunction withthe information in this member guide. If you prefer to speak to a trained health insurance consultant pleasecall 13 27 22.STEP 3: Join RACT Health InsuranceThere are 3 simple ways to join:1. Get a quote and join online at ract.com.au/healthinsurance2. Call 13 27 223. Fill in the application form at the back of this member guide6 7